One side effect of no longer having yearly inspection requirements in this state is that insurance companies no longer have this access to yearly mileage information.
I recently received a request to submit at least two maintenance or repair invoices within a year timeframe that have odometer mileage shown on them in addition to completing a form attesting to my estimated yearly mileage in order to get the discount. If not, they will default to the worst case, 20k+ miles per year.
Since I do all my own work, I will likely never have the type of evidence they are requesting. Instead, I submitted pictures of my odometer readings with time stamps for every vehicle on my policy. If this is not sufficient, then I think I need to start considering alternatives.
All of my vehicles are relatively low mileage. Two of them less than 2k miles per year and the most used is less than 15k per year. My 2012 Ody has less than 35k miles total on it…
Curious who has low mileage discounts and how easy is it to maintain your discount with your current provider?
I want to have excellent online presence and discounts for good driver, multiple policies, low mileage etc. I also have motorcycle, boat, home and umbrella policies under the same provider.
I don’t know where you reside, but if NJM insurance is available in your state, I urge you to get a quote from them. In addition to “competitive” rates, they almost always give you a 10% rebate on your premium at the end of the year. My reasons for sticking with NJM also include their superior claims-paying record, and their excellent customer service. When CR rates auto insurance companies, NJM is usually ranked #1 or #2 in the country. This year, they dropped to the #2 spot when they were displaced from the top by Erie Insurance.
And, more to the point of your post, they don’t require any proof of my annual odometer mileage. When I informed them that I typically drive only ~8,500 miles per year, they took my word for it. The reduction in my premium for “low” mileage was minimal, but I didn’t have to provide any proof of my annual odometer miles.
How can something that is only available in 5 states (personal) be ranked anything for the entire country?? To me if something can be ranked number 1 or 2 in the country, it needs to be available in every (or almost all) state… Now saying it is ranked number X in the northeast makes more sense, but not country wide… just my twisted thinking…